The Best 2024 Port St. Joe FHA Mortgage Programs
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640 + Fico Score Home Loans
Having a 640 credit score allows for homebuyers to qualify for a majority of programs available across the U.S.A. The popular Port St. Joe FHA home loan was introduced in 1934. The program features lower down payment options and easier qualifications for new and repeat homebuyers. Another Government program strictly for Veteran’s was introduced in 1944, the Port St. Joe VA home loan allows for certain service members to buy a home with no money down even with lower credit scores. Another favorite of ours, the USDA home loan created in 1991 offers the no money down option. Last but not least a homebuyer favorite the forgivable Port St. Joe FHA homebuyer grant. With over 26 years of experience our experts are here to answer your questions. We will have you pre-approved and ready to shop in minutes.
Get Pre-Approved Now
(640 Credit Score Required)
FHA Loan Benefits
- Buy with 3.5% Down
- 640 Credit Qualifies for a Grant to Cover Down Payment
- Easier Credit Qualifications
- Extremely Loan Rates for Home Buyers
USDA Loan Benefits
- Buy with No Money Down
- Streamlined credit approval for scores above 640
- Look Up Eligible USDA Areas Here
- Extremely Loan Rates for USDA Home Buyers
FHA Grant Benefits
- Grant is completely forgiven
- Grant can be used for down payment
- Not required to be first time home buyers
- Keep your down payment money in the bank
VA Loan Benefits
- No down payment
- No mortgage insurance required
- Low wholesale VA home rates
- Lower credit scores can qualify
Questions Call (888)208-9797
Port St. Joe is Eligible for FHA Home Buyers
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620 + Fico Score Home Loans
Having a 620 credit score allows new Port St. Joe homebuyers many options. The FHA offers amazing rates even with less than perfect credit. Even better the FHA offers buyers the option to buy with a 3.5% down payment. Don’t have a down payment, no worries we offer a private Port St. Joe FHA grant program. The Port St. Joe FHA grant program requires a minimum 620 credit score. The programs don’t stop there, Even with a 620 credit score we have more options. The USDA home loan and the Port St. Joe VA home loan are also available. The USDA mortgage allows for home buyers to purchase with NO money down. Understand the average qualifying credit score is 640 but our 2024 guidelines allow for manual underwriting. A manual approval will need to be completed by an underwriter and is not guaranteed. Last but not least our Port St. Joe VA Military home loan is another NO money down option for those who serve the USA, the greatest country on earth.
Get Pre-Approved Now
(620 Credit Score Required)
FHA Loan Benefits
- Buy with 3.5% Down
- 620 Credit Qualifies for a Grant to Cover Down Payment
- Easier Credit Qualifications
- Extremely Loan Rates for Home Buyers
USDA Loan Benefits
- Buy with No Money Down
- 620 credit scores will need manual approval by underwriting
- Look Up Eligible USDA Areas Here
- Extremely Loan Rates for USDA Home Buyers
FHA Grant Benefits
- Grant is completely forgiven
- Grant can be used for down payment
- Not required to be first time home buyers
- Keep your down payment money in the bank
VA Loan Benefits
- No down payment
- No mortgage insurance required
- Low wholesale VA home rates
- Lower credit scores can qualify
Questions Call (888)208-9797
Areas Near Port St. Joe are Eligible for USDA Loans
Popular areas that may be Eligible for USDA Home Buyers
580 Fico Score Home Loans
Having a 580 plus credit score will allow Port St. Joe home buyers a few great options. The FHA offers amazing rates even with less than perfect credit. With a 580 credit score a down payment of 3.5% will be needed. The down payment can come as a gift. Another great options for lower credit scores is our Port St. Joe VA Military home loan. Veteran’s can qualify with a 580 credit score and NO money down.
Get Pre-Approved Now
(580 Credit Score Required)
FHA Loan Benefits
- Buy with 3.5% Down
- Gift funds excepted for down payment
- Easier Credit Qualifications
- Extremely Loan Rates for Home Buyers
VA Loan Benefits
- No down payment
- No mortgage insurance required
- Low wholesale VA home rates
- Lower credit scores can qualify
Questions Call (888)208-9797
Port St. Joe is Eligible for Veteran Home Programs
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560 Fico Score Home Loans
560 plus credit scores allow home buyers a few great options. The FHA offers amazing rates even with less than perfect credit. With a 560 credit score a down payment of 10 - 20% will be needed. The down payment can come as a gift. Another great option for lower credit scores is our VA Military home loan. Veteran’s can qualify with a 560 plus credit score.
Get Pre-Approved Now
(560 Credit Score Required)
FHA Loan Benefits
- Buy with 10 - 20% Down
- Gift funds excepted for down payment
- Easier Credit Qualifications
- Extremely Loan Rates for Home Buyers
VA Loan Benefits
- No down payment
- No mortgage insurance required
- Low wholesale VA home rates
- Lower credit scores can qualify
Questions Call (888)208-9797
500 Fico Score Home Loans
With 500 plus credit scores options are still available for home buyers. The Port St. Joe FHA program is still available for home buyers, understand you will need a larger down payment, usually 10 - 20% The down payment can come as a gift. Another great option for lower credit scores is our Port St. Joe VA Military home loan. Veteran’s can qualify with a 500 plus credit score. Keep in mind a 500 plus credit score is a higher risk for lenders, this means it will be underwritten manually by an underwriter.
Get Pre-Approved Now
(500 + Credit Score Required)
FHA Loan Benefits
- Buy with 10 - 20% Down
- Gift funds excepted for down payment
- Easier Credit Qualifications
- Extremely Low Rates for Home Buyers
VA Loan Benefits
- No down payment
- No mortgage insurance required
- Low wholesale VA home rates
- Lower credit scores can qualify
Questions Call (888)208-9797
Hundreds of 5 Star Reviews!
Port St. Joe is a city located at the intersection of U.S. Highway 98 and State Road 71 and the county seat of Gulf County, Florida. As of the 2020 census,the population was 3,357. This was a decline from 3,644 as of the 2000 census.
St. Joseph was founded in 1835 by businessmen from nearby Apalachicola, which was troubled by legal conflict over land titles.[3] It was mostly abandoned in 1841 after a yellow fever epidemic; a storm surge produced by a hurricane in 1844 destroyed what structures remained.[4] During the Civil War, Florida was a leading producer of salt for the Confederate army. On September 15, 1862, a Union officer on board the USS Kingfisher wrote that he an his men had sent a demand to the extensive salt works at Saint Joseph that they cease production. When the work was not halted, the Kingfisher went into Saint Joseph bay, sent at least 50 men in land, and destroyed the salt works.[5] In the early 20th century a new settlement was founded close to the original after the arrival of the Apalachicola Northern Railroad in 1909. It appears that the more informal “Port St. Joe” was adopted for official use around this time.